Do I need an HMO licence in Croydon?

Possibly. On top of the national mandatory HMO licence, Croydon runs 2 additional or selective schemes that can require a licence for smaller HMOs or even single-household rentals. Check the scheme details above against your property's address.

Which property licensing schemes are active in Croydon?

Croydon has 2 schemes in force on our register: Borough-Wide Additional HMO Licensing Scheme (from 1 September 2026); New Selective Licensing Scheme — Selected Wards (from 1 September 2026). Each can require a licence beyond the national mandatory HMO rules. Check the scheme details and council links above against your property's address.

How many tenants make a property an HMO in Croydon?

The national test is the same across England: 5 or more occupants from 2 or more separate households sharing a kitchen, bathroom or toilet need a mandatory licence. Croydon's own scheme(s) can set a lower threshold — see the schemes listed above.

What's the penalty for an unlicensed HMO in Croydon?

Letting an unlicensed HMO in Croydon can mean a civil penalty of up to £40,000 per offence or prosecution (which can mean an unlimited fine and a criminal record) — a civil penalty is an alternative to prosecution, not an addition to it. The maximum penalty rose from £30,000 for offences from 1 May 2026, under the Financial Penalties (Housing Offences and Breach of Banning Orders) Regulations 2026 (SI 2026/319), made under section 249A of the Housing Act 2004. Tenants (or the council) can also apply for a Rent Repayment Order of up to 2 years' rent for offences from 1 May 2026 (12 months before then).

How much is an HMO licence in Croydon?

London Borough of Croydon charges £1,475 for a first mandatory HMO licence on a 5-bedroom, 5-person HMO (standard fee, no discounts, 5-year licence), checked on the council's own fee schedule on 14 October 2026. Fees change, usually each April, so confirm with the council before you apply. See how this compares with other councils in our HMO licence fees index.

Where do I apply for an HMO licence in Croydon?

HMO licence applications in Croydon are handled by London Borough of Croydon. Use the official scheme links above for the current rules and the application route.

Croydon HMO licensing guide

Croydon HMO licence — do you need one?

You need a mandatory HMO licence in Croydon if 5 or more people from 2 or more households share a kitchen, bathroom or toilet. Croydon's 2 licensing schemes can also cover smaller lets (details below). London Borough of Croydon's standard fee is £1,475 for a 5-bedroom, 5-person HMO. Apply to London Borough of Croydon using the official links below.

Which licence do you need in Croydon?

England runs three separate regimes. More than one can apply to the same property.

Mandatory HMO licenceExplained on this page5 or more occupants from 2+ households sharing a kitchen, bathroom or toiletApplies everywhere in England
Additional HMO licensingSmaller HMOs the national rules miss — council-designatedIn force in Croydon
Selective licensingANY privately rented home in a designated area — including single-family letsIn force in Croydon · See selective licensing in Croydon

Active and upcoming schemes

Sourced from Croydon announcements and tracked by our weekly scanner. Last checked 22 October 2026. Always verify directly with the council before applying.

ConsultationEffective: September 2026

Croydon Selective & Additional Licensing Consultation

Consulting on selective licensing (14 wards, fee £800) and borough-wide additional licensing (fee £1,250). Schemes to launch 1 September 2026.

Read the original announcement →

Additional HMOEffective: 1 September 2026

Borough-Wide Additional HMO Licensing Scheme (from 1 September 2026)

A new borough-wide Additional HMO Licensing Scheme covering all HMOs occupied by 3 or more persons from 2 or more households, running alongside a new Selective Licensing Scheme for selected wards. Application details to be published in July 2026.

Read the original announcement →

SelectiveEffective: 1 September 2026

New Selective Licensing Scheme — Selected Wards (from 1 September 2026)

Following consultation, Croydon approved a new selective licensing scheme covering selected wards (broadly 14 wards) from 1 September 2026. Licence fee is £800 per property; application details to be released in July 2026. HMOs already covered by mandatory or additional licensing are exempt.

Read the original announcement →

National mandatory HMO rules (apply everywhere in England)

Regardless of any Croydon-specific scheme, you also need to comply with the national mandatory HMO licensing rules under the Housing Act 2004:

5 or more occupants from 2 or more separate households sharing a kitchen, bathroom or toilet → mandatory HMO licence required.
A household = single person, couple, or family unit. Unrelated sharers each count as a separate household.
Letting an unlicensed HMO can mean a civil penalty of up to £40,000 (up from £30,000 for offences from 1 May 2026) or prosecution, plus a Rent Repayment Order of up to 2 years' rent for offences from 1 May 2026 (12 months before then).

Run the free HMO checker

Licence fee: £1,475 for a first mandatory HMO licence (5-bedroom, 5-person HMO, standard fee) — council source, checked 14 October 2026. Compare HMO licence fees across 71 councils

Manage the HMO in RentFig — rooms, licensing checks, certificates.

HMO licensing in Croydon — FAQ

Do I need an HMO licence in Croydon?: Possibly. On top of the national mandatory HMO licence, Croydon runs 2 additional or selective schemes that can require a licence for smaller HMOs or even single-household rentals. Check the scheme details above against your property's address.
Which property licensing schemes are active in Croydon?: Croydon has 2 schemes in force on our register: Borough-Wide Additional HMO Licensing Scheme (from 1 September 2026); New Selective Licensing Scheme — Selected Wards (from 1 September 2026). Each can require a licence beyond the national mandatory HMO rules. Check the scheme details and council links above against your property's address.
How many tenants make a property an HMO in Croydon?: The national test is the same across England: 5 or more occupants from 2 or more separate households sharing a kitchen, bathroom or toilet need a mandatory licence. Croydon's own scheme(s) can set a lower threshold — see the schemes listed above.
What's the penalty for an unlicensed HMO in Croydon?: Letting an unlicensed HMO in Croydon can mean a civil penalty of up to £40,000 per offence or prosecution (which can mean an unlimited fine and a criminal record) — a civil penalty is an alternative to prosecution, not an addition to it. The maximum penalty rose from £30,000 for offences from 1 May 2026, under the Financial Penalties (Housing Offences and Breach of Banning Orders) Regulations 2026 (SI 2026/319), made under section 249A of the Housing Act 2004. Tenants (or the council) can also apply for a Rent Repayment Order of up to 2 years' rent for offences from 1 May 2026 (12 months before then).
How much is an HMO licence in Croydon?: London Borough of Croydon charges £1,475 for a first mandatory HMO licence on a 5-bedroom, 5-person HMO (standard fee, no discounts, 5-year licence), checked on the council's own fee schedule on 14 October 2026. Fees change, usually each April, so confirm with the council before you apply. See how this compares with other councils in our HMO licence fees index.
Where do I apply for an HMO licence in Croydon?: HMO licence applications in Croydon are handled by London Borough of Croydon. Use the official scheme links above for the current rules and the application route.

Referencing tenants for your Croydon HMO?

Licensed HMOs mean more tenants to vet. Start with RentFig's tenant reference form — free, no account needed — then run tenant referencing from £9 per tenant: a credit check, or a £19 full reference with Right to Rent. Pay per check, no subscription.

Stay on top of HMO compliance with RentFig

RentFig tracks every HMO licence renewal alongside gas safety, EICR, EPC, fire alarm tests and right-to-rent checks. Email reminders, audit trail, AI assistant on WhatsApp. Free for one property.

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HMO licensing in other councils

Compare Croydon with other areas we track.

View all councils we track →

Disclaimer: This page is an indicative guide based on publicly announced Croydon schemes and the Housing Act 2004 standard test. It is not legal advice. Council schemes change frequently — always confirm the current position with London Borough of Croydon before letting or applying for a licence.